A Merchant Cash Advance is a very simple way for businesses to get finance from future card sales. It is suitable for any small to medium business which receives part or all of its turnover through card sales, what makes it so effective is that your business only pays off the cash advance as your business makes money. So in effect, it is a much simpler way of factoring finance which would involve your bank contacting your businesses customers to ensure that they will be able to pay any future payments to your business.